Not sure where you are in the game’s progression, like you’re at the credit crunch stage of the game. Everybody went (or will go) through it, usually it’s because you’re trying to spread yourself too thin. Best way to keep costs down is focus on one goal and finish that, then move on to the next. Other than Credit Heists, most of the credits you earn in-game are minimal. Once you get a few good teams set up, like 2 or 3, your credits will start building.

So at first i didnt know much about which toons were good and what was needed for special events etc. More recently is when i really got into the game. Im powering my phoenix squad and upgrading their mods. I have not touch my bounty hunters. I'm trying to get better so I can place higher in the Arena and finish the galactic war each day

I had the same issues until I upgraded my Scoundrels for credit heist. I would upgrade my scoundrels immediately, any 4-5, it doesn’t really matter. You stock up on credits fast, which allows you to do more

Awwww....I fondly remember the days of the credit crunch.....before the stun gun crunch...and the stun cuff crunch.....and the gold eyeball crunch.......and the droid caller crunch.....and the carbanti crunch......and the ...............................

I've been level 85 for almost a year and always run out of credits. Currently can't even max level Revan. I even lucked out and got 12.5 million last credit heist.
Finishing Galactic War earns around 600k credits. That's your best daily money maker.

You stop needing ship credits pretty early because of how few ships there are. I've been level 85 for about 6 months and I've got 25M stockpiled. GW is where most credits and ship credits come from daily

Yeah you really need to make sure you can do the highest tier of the credit event. As others have stated, you'll reach a point where credits aren't the limiting factor of progress. In fact, I'm floating 100 million right now. Another important thing is making sure not to spend credits on characters you won't use/gear. It costs about 6 milion to hit level 85 and that's ignoring mods/abilities/stars

Usually I do fine for credits (this week's Weekly Shipments has cleaned me out but that's irrelevant), but it's always ship credits I'm lacking for. Any advice on how to get more of them?

Getting a ship up to speed can be pretty expensive.
- buy ship credits from the cantina store(and dont buy mods for ship credits)
- only spend on things you plan to use/upgrade in the near future
- -Stay on top of doing daily challenges
- you get credits for galactic war (I think? )
I'm focusing on ships again and even now there are times where I run out.it can be tough, though not as bad as the credit crunch if memory serves

GW, credit heist, raids, GA, TW, TB, various events like Assault Battles are all sources of credits. As you level and gear more characters more options open up.

Mod farming is actually a halfway decent source of credits too. 50 crystals gets you 7.5 T3 mod challenge attempts. Each attempt gets you 7,500 credits and a mod. Sell grey mods (except speed arrows for up to 9,500 credits each (5-dot) and either pocket the cash or use it to level up other mods. Potential 119k credits / refresh and more chances to get promising mods to level.

Credit Heist, raids, and a couple of events are the only large sources of credits. Other than that, you're pretty much just getting the 650k-ish per day from Galactic War (assuming you finish it), plus whatever paltry amount you get from missions. And a bit from the challenge on days when it's running.

I'm sorry to say, that you have missed out on a lot of credits from not doing the highest tier of credit heist. Spending some resources to develop your scondrels will definately be a good (and needed) investment, which will pay off. My advice is to focus on developing the scoundrels that also have other uses, f.ex. as pilots or to unlock legendary characters.